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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,804 | $57,140-68.8% | $85,240-79.1% | $80,959-78.0% |
| Participation rate | 89.8% | 56.4%+33.4pp | 67.5%+22.3pp | 67.7%+22.1pp |
| Annual return | 11.28% | 21.71%-10.4pp | 66.75%-55.5pp | 35.67%-24.4pp |
| Employer contribution / active EE | $388 | $1,802-78.4% | $2,735-85.8% | $2,757-85.9% |
| Participant deferral / active EE | $1,546 | $3,115-50.4% | $4,527-65.9% | $4,300-64.1% |
| Admin fee / account holder | $745 | $4,992-85.1% | $6,165-87.9% | $6,925-89.2% |